Stop Guessing.
Run the Numbers.
Make Better Business Decisions.
Use free business calculators to test pricing, profitability, break-even points, loan payments, cash flow, liquidity, collections, inventory, labor, growth and investment decisions. Because one number rarely tells the whole story, each tool is designed to help you ask a better business question.
Business calculators for profit, pricing and break-even decisions.
Revenue alone does not tell you whether the business model works. Therefore, these business calculators connect sales, costs, pricing and profit so you can test whether the economics make sense.
Break-Even Calculator
Estimate the sales volume needed to cover fixed and variable costs.
Gross Profit Margin
Measure revenue remaining after direct costs.
Net Profit Margin
Estimate how much of total revenue remains after all expenses.
Markup Calculator
Measure how much selling price exceeds cost.
Target Selling Price
Calculate a selling price based on your desired gross margin.
Contribution Margin Per Unit
Measure how much each unit contributes toward fixed costs and profit.
Contribution Margin Ratio
Measure the percentage of revenue remaining after variable costs.
Break-Even Sales Revenue
Estimate the revenue needed to cover fixed costs using a contribution margin ratio.
Target Profit Sales
Estimate the revenue needed to cover fixed costs and reach a target profit.
Discount Volume Impact
Estimate how much unit volume must increase to preserve contribution after a discount.
Cost Percentage
Measure a selected business cost as a percentage of revenue.
Business calculators for cash flow and financing decisions.
Profitability matters, but businesses also need enough cash and liquidity to pay obligations as they come due. For example, a profitable company can still face pressure when collections slow or debt payments rise.
Business Loan Payment
Estimate the monthly payment on a standard amortizing loan.
Cash Runway
Estimate how many months cash reserves can support the current burn rate.
Current Ratio
Compare current assets with current liabilities.
Quick Ratio
Measure short-term liquidity after removing inventory.
Working Capital
Calculate the difference between current assets and current liabilities.
Debt-to-Equity Ratio
Compare total debt with owner equity to measure financial leverage.
Debt Service Coverage Ratio
Compare net operating income with annual principal and interest payments.
Interest-Only Loan Payment
Estimate a monthly interest-only payment before principal repayment.
Loan Affordability
Estimate the loan principal supported by a maximum monthly payment.
Cash Burn Rate
Estimate the average amount of cash the business is using each month.
Business calculators that measure operating efficiency.
Days Sales Outstanding
Estimate the average number of days it takes customers to pay.
Inventory Turnover
Estimate how often inventory is sold and replaced during a period.
Labor Cost Percentage
Measure labor cost as a percentage of revenue.
Average Order Value
Measure average revenue generated by each order or transaction.
Revenue Per Employee
Measure revenue generated per average employee during a period.
Sales Per Labor Hour
Measure how much revenue is generated for each labor hour worked.
Inventory Days on Hand
Estimate how many days of inventory the business carries on average.
Capacity Utilization
Compare actual output with the maximum practical output available.
Employee Turnover Rate
Measure employee departures as a percentage of average headcount.
Business calculators for growth, ROI and investment decisions.
Return on Investment
Compare investment gain with the amount invested.
Revenue Growth Rate
Compare revenue between two periods.
Compound Annual Growth Rate
Estimate the annualized growth rate between a beginning and ending value.
Customer Acquisition Cost
Measure sales and marketing spend required to acquire each new customer.
Customer Lifetime Value
Estimate gross-profit value from an average customer relationship.
LTV to CAC Ratio
Compare customer lifetime value with customer acquisition cost.
Conversion Rate
Measure the percentage of leads or visitors that complete the desired action.
Customer Retention Rate
Estimate the percentage of starting customers retained during a period.
Use the numbers to strengthen funding readiness.
This checklist does not predict approval. Instead, it helps identify financial and documentation areas that may need attention before approaching a lender. In addition, use the calculators above to understand how new debt may affect cash flow and liquidity.
Explore Business FundingUse business calculators first. Go deeper with a worksheet.
Food Truck
Readiness Free Workbook
Restaurant & Food Truck Readiness Workbook
Review major planning areas before launching or strengthening a restaurant, food truck, ghost kitchen or pop-up.
- Concept and positioning
- Financial systems
- Operations and equipment
- Technology and vendors
- Staffing
- Launch readiness
The Marvelous Money Move
Don’t use a calculator to justify a decision you already want to make. Use the number to challenge the decision. If the economics don’t work on paper, understand why before putting real money at risk.
Business calculators are the beginning—not the decision.
Business Resources
Understand the concepts behind the calculations.
Explore Resources →Bookkeeping & Accounting
Improve the financial information behind your decisions.
Explore Bookkeeping →Business Funding
Compare funding options and prepare before applying.
Explore Funding →Business Consulting
Put the number into the context of the whole business.
Explore Consulting →Common questions about business calculators.
What is the difference between margin and markup?
Margin measures profit as a percentage of selling price. Markup measures the amount added to cost as a percentage of cost. Because the formulas use different bases, a 50% markup does not equal a 50% margin.
What is a good current ratio?
There is no universal ideal ratio because industries differ. A current ratio above 1 generally means current assets exceed current liabilities, but the quality and timing of those assets also matter.
What does Days Sales Outstanding tell me?
Days Sales Outstanding estimates how long it takes to collect customer receivables. A rising number may indicate slower collections.
Does a loan calculator include every financing cost?
No. The calculator estimates principal-and-interest payments on a standard amortizing loan. Origination fees, closing costs, guarantees and other charges may increase the real cost.
Should I use actual numbers or estimates?
Current actual business information generally produces more useful results. Estimates can still help with planning, but assumptions should be clearly identified.
Can Net Profits help interpret these results?
Yes. Bookkeeping, financial-readiness and consulting services can help put calculator results into the context of the business’s complete financial picture.
Turn business calculator results into better decisions.
If a calculation exposes a pricing, cash-flow, profitability or funding problem, the next move is understanding why. Therefore, use the result as a starting point for analysis—not as a substitute for judgment.